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Rates

Deposit rates are effective as of February 16, 2019 and are subject to change. If you would like current rate information, please contact one of our Citizens Savings Bank branch offices or call 800.692.6279.

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 2.25%; and balances over $20,000 earn 0.15% interest rate on the portion of balance over $20,000 resulting in a range from 2.25% to 0.57% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.01 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 2/01/17. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements is are condition(s) of this account. Enrollment in electronic services (e.g. online banking, mobile banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle: Kasasa Saver: Balances up to $50,000, receive APY of 0.75%; and balances over $50,000 earn 0.10% interest rate on the portion of balance over $50,000, resulting in a range from 0.75% to 0.43% APY depending on the account’s balance. Kasasa Cash: Balances up to $20,000 receive a non-compounding APY* of 2.25%; and balances over $20,000 earn 0.15% interest rate on the portion of balance over $20,000, resulting in a non-compounding range from 2.25% - 0.57% APY* depending on the account’s balance. Kasasa Cash Back: 2.50% cash back on up to a total of $400.00 PIN- or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash and Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.01%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 2/01/17. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of this accounts. Enrollment in electronic services (e.g. online banking, mobile banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.

Checking & Savings Accounts

Deposit rates are effective as of February 16, 2019 and subject to change.

Passbook Savings Rates: Account holders have two ways to earn competitive interest with Passbook Savings. Get either with a single rate with Regular Passbook or tiered interest rates with Premium Passbook.

Our adjustable rate mortgages (ARMs) offer one, three, and five year adjustment periods with terms up to 30 years. Your monthly payment may increase if the interest rate rises, or decrease if the interest rate falls. Your loan will be subject to rules that limit the amount of these increases or decreases.

Maximum rate change per adjustment period = 2%

Maximum rate change over life of loan = 5%

Adjustable Rate Mortgage (ARM) Index = one year Treasury Index

Adjustment periods:

1/1 ARM – fixed rate for one year; adjustable rate every year thereafter

3/1 ARM – fixed rate for three years; adjustable rate every year thereafter

5/1 ARM – fixed rate for five years; adjustable rate every year thereafter